Our relationship with money is like our fingerprints – unique. It is dependent on many factors and impacts our lives daily. For some, money matters can be confusing! For others, finances are the main source of stress in today’s tough economic times. Whatever your financial situation is, our financial coaches are available to provide independent financial counselling and recommendations on matters such as budgets, financial literacy, and credit restructuring.
Referral for debt counselling is also available. If you feel you are over-indebted, our financial coaches will assess your financial situation as well as discuss the advantages and disadvantages of debt counselling with you. If it is found that you are over-indebted and qualify for debt counselling, you will be referred into our network of debt counsellors who are accredited by the South African National Credit Regulator (NCR). The process involves restructuring your debt and distributing the available funds among your creditors.
Start saving for the holidays and January commitments
Saving money in advance for the festive season and making sure you can meet your holiday and January commitments is good for your finances and your wellbeing. Imagine being able [...]
The psychology of spending
We know we shouldn't spend every cent we make. We know we should save for a rainy day. But still, we keep on spending, sometimes excessively on things we don’t [...]
The Five Pillars of Personal Finance
Careful planning and smart choices are essential to achieving financial freedom. Experts say there are five pillars to good financial wellbeing. Following these five strategies will help you to make [...]
Can impulse buying make you happy?
Nowadays, you don’t even have to go to the shops to be tempted to spend; the shops come to you through your mobile device. It certainly is convenient for you [...]
How to resist the urge to splurge
To be impulsive is to do things suddenly and without careful thought. So, to resist impulsive spending, you need to recognise the signals and think about them first. Think about how [...]
How High are Your Bank Charges?
Banking charges might not seem like a lot at first, but all those small amounts add up fast. To find out how much you’re spending on bank charges every month, [...]
Why You Should Keep Your Policies
When you’re struggling to make ends meet, you might think it’s a good idea to cancel monthly expenses like your life insurance policy or private health insurance cover. These types [...]
DON’T OVERSPEND THIS DECEMBER
Finally! Phew, if ever there was a long year, this was it. Whether you’re working through December or taking some well-earned time off over the festive period, be careful with [...]
What happens after debt review?
When you went under debt review you may have asked loads of questions about how long it would take and what the process would entail. But did you ask what [...]
Own the loan
Ignoring your outstanding loan won’t make it go away. The longer you leave it, the harsher the consequences, and the larger the threat to your financial wellbeing. Face up to [...]
Save the Day to Secure the Future
Salaries have been cut, debt is piling up, and the future often seems uncertain. We’re all feeling the pinch during these trying times. Your financial plans may have gone up [...]
Consumer Tip
Feeling the pinch? COVID has had a financial effect on most of our lives. It’s therefore not a bad idea to relook at our finances, using these tips: Revise your [...]